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CBFV NASDAQ US

CB Financial Services, Inc. - Common Stock

Financials · Banking Website · IPO Mar 1994
$35.20
▲ +$0.67 (+1.94%)
Vol 2K
8
Quality Score
fail
Mkt Cap
$174.7M
P/E
64.9
ROE
1.8%
Margin
22.6%
D/E
9.65
Beta
0.29
Div Yield
2.98%
52W
$26–$37

Wall Street Consensus

9 analysts · Apr 2026
2
Strong Buy
5
Buy
2
Hold
0
Sell
0
Strong Sell
77.8%
Buy Rating

Price Chart

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Earnings

Beat rate: 75.0%
Quarter EPS Est EPS Act Surprise
Dec 2025 $0.83 $0.72 $-0.11
Sep 2025 $0.66 $0.74 +$0.08
Jun 2025 $0.43 $0.74 +$0.31
Mar 2025 $0.44 $0.50 +$0.06

Quarterly Revenue & Earnings

Quarter 2024-0… 2024-1… 2025-0… 2025-0… 2025-0… 2025-1…
Revenue — $12.3M $11.8M $13.1M $2.1M $14.6M
Net Income — $2.5M $1.9M $3.9M -$5.7M $4.7M

Fundamentals Trend

Metric 2025-06-30 2025-09-02 2025-10-02 2025-11-03 2025-12-03 2026-01-02
ROE (TTM) 7.8% 7.0% 7.8% 7.8% 1.8% 1.8%
P/E (TTM) 12.34 15.41 14.27 13.91 65.64 64.91
Net Margin — 22.6% 22.6% 22.6% 22.6% 22.6%
Gross Margin — — — — — —
D/E Ratio 9.93 9.93 9.93 9.93 9.93 9.65
Current Ratio — — — — — —

Key Ratios

ROA (TTM)
0.2%
P/S (TTM)
1.74
P/B
1.0
EPS (TTM)
$0.43
CF/Share
$2.95
Rev Growth 3Y
-2.2%
52W High
$37.45
52W Low
$26.01
$26.01 52-Week Range $37.45

Financial Health

Free Cash Flow
$4.8M
Net Debt
$3.1M
Cash
$31.7M
Total Debt
$34.8M
As of Dec 31, 2025

How does CBFV compare to Banking peers?

Peer group: Micro-cap Banking (All) · 289 companies

CBFV ACNB AFBI AMAL AROW

CBFV valuation vs Banking peers

P/E ratio
64.9
▲ 416% above peers (12.6)
vs Peers
vs Industry
Overvalued
P/S ratio
1.7
▼ 25% below peers (2.3)
vs Peers
vs Industry
Undervalued
P/B ratio
1.0
▼ 5% below peers (1.1)
vs Peers
vs Industry
Fair value
Div yield
3.0%
▼ 0% below peers (3.0%)
vs Peers
vs Industry
In line

CBFV profitability vs Banking peers

ROE
1.8%
▼ 80% below peers (9.0%)
vs Peers
vs Industry
Weak
Net margin
22.6%
▼ 21% below peers (28.6%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
0.2%
▼ 81% below peers (1.0%)
vs Peers
vs Industry
Weak

CBFV financial health vs Banking peers

D/E ratio
9.7
▼ 30% below peers (13.8)
vs Peers
vs Industry
Above avg
Current ratio
—
▼ 0% below peers (0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.3
▼ 58% below peers (0.7)
vs Peers
vs Industry
More volatile

CBFV fundamentals radar

CBFV Peer median Industry

CBFV profitability vs leverage

Bubble size = market cap · X = net margin · Y = D/E ratio

CBFV vs peers: key metrics

Related Signals

Bounce Up
$32.16 1.50x Oct 02

Insider Activity

Neutral
Buys
0
Sells
0
COBAIN STEPHEN
Officer · Mar 05
1792 shs
COBAIN STEPHEN
Officer · Mar 05
1792 shs
ENGLES AMANDA L
Chief Financial Officer · Feb 23
54 shs
COBAIN STEPHEN
Officer · Feb 23
140 shs
SHARP BRUCE
Officer · Feb 20
4110 shs
SHARP BRUCE
Officer · Feb 13
1525 shs
ENGLES AMANDA L
Chief Financial Officer · Feb 13
1325 shs
LACARTE JOHN J
Director · Feb 13
750 shs
SWIATEK JOHN M
Director · Feb 13
750 shs
GEORGE JENNIFER L.
Chief Operating Officer · Feb 13
1325 shs
Last 90 days

Top Holders

Top 5: 24.34%
Janney Montgomery Scott LLC
6.27%
$10.9M
Blackrock Inc.
5.01%
$8.7M
Alliancebernstein L.P.
4.92%
$8.5M
Vanguard Group Inc
4.91%
$8.5M
M3F, Inc.
3.23%
$5.6M
As of Dec 31, 2025

Dividends

$1.05
/ year
Feb 13, 2026 $0.2800
Nov 14, 2025 $0.2600
Aug 15, 2025 $0.2600
May 16, 2025 $0.2500
Feb 14, 2025 $0.2500
Nov 15, 2024 $0.2500
Aug 15, 2024 $0.2500
May 14, 2024 $0.2500

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